---
canonical_url: https://lendb.ai/lo/lucy-urena-249339
json_url: https://lendb.ai/lo/lucy-urena-249339.json
nmls_id: 249339
last_verified: 2026-10-09
---

# Lucy Urena

Loan Officer at Guild Mortgage, Ontario, CA. NMLS ID 249339 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/249339)).

**Summary:** Lucy Urena (NMLS 249339) is Loan Officer at Guild Mortgage, based in Ontario, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Real estate investor and Self-employed. Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html

## About

Bilingual mortgage loan officer with background in mortgage, real estate, and a Finance degree from UC Riverside. Helps first-time homebuyers, move-up buyers, real estate investors, self-employed borrowers, and those refinancing or exploring home equity strategies.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- education: degree in Finance from the University of California, Riverside. Source: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Ontario, CA. Source: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/249339

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html
- Email on file: shown at https://lendb.ai/lo/lucy-urena-249339#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/249339
- lender_site: https://branches.guildmortgage.com/ca/ontario/lucy-urena-133-cklur.html

Cite as: Lucy Urena (NMLS 249339), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/lucy-urena-249339, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._